ThreatMark

Overview

ThreatMark builds a behavioral baseline for each individual banking customer and watches for departures from it. The platform profiles how a person physically uses a device, keystroke rhythm, navigation habit, touch and pointer movement, session pattern, and combines that with device and threat signals and transaction context into one continuously updated view. The company calls the result behavioral intelligence and positions it against what it characterizes as the traditional approach, a single backward looking check rather than constant monitoring of the present session. The stated design premise is that the fraud that matters has moved off the bank's platform. Where a criminal once attacked the session directly, they now manipulate the customer into authorizing the payment themselves, which defeats controls built to detect unauthorised access. The vendor's own research puts social engineering in most fraud at 55 percent of surveyed institutions, and its product line follows that: dedicated material for authorized push payment scams, instant payment scams, investment scams, romance scams, purchase scams and peer to peer fraud, alongside the older categories of account takeover, remote access attacks, session hijacking, subscriber module swap, financial malware, money mules and new account fraud. Five components are published. The Behavioral Intelligence Platform carries the profiling, threat detection and transaction risk analysis. ScamFlag is a generative agent built into the banking app that reads a screenshot or photo a customer submits from any channel, extracts and interprets the content, checks links and account numbers against public sources and an internal database, and returns a scam assessment with recommended actions. Smart Insights supports analyst decisions. The Cyber Fraud Fusion Center runs phishing and malware disruption. FraudIntel handles cross border scheme detection and intelligence sharing. Behavioral signal is also sold as the inherence element for European strong customer authentication, and transaction risk analysis supports the associated exemptions, so the product sits inside a named regulatory mechanism rather than beside it. The company reports more than 40 million users protected. Founded 2015 in Brno, ThreatMark now lists its head office in Charlotte, North Carolina, with offices in Brno and London.

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